| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $199K | — | $199K | 3.71% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $187K | $187K | 3.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 0.81% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 0.81% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $175K | $175K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $175K | — | $175K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 1.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 1.00% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 2.50% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.71% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.90% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.50% |
| SPD BENEFITS, LLC3 Filed as: SPD BENEFITS LLC | PO BOX 29209, 7204-B W FRIENDLY AVE GREENSBORO, NC 274299209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 9,625 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,625 | $5.5M |
| Long-term disability(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,500 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,625 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.